Gradbridge

Press and Media

Explore the latest news, press releases, and media coverage about GradBridge with our mission to expand access to private student lending.

Contact us.

Contact our Media Relations at

press@gradbridge.com

Contact Investor Relations at

investors@gradbridge.com

Press Releases.

Stay up to date with official announcements from GradBridge, including product launches, partnerships, and company milestones.

Oct 22, 2025

GradBridge raises $20 million Series A led by Acorn Investment Partners, a portfolio company of funds managed by Oaktree Capital Management L.P. (“Oaktree”)

In the News.

Read what others are saying about GradBridge—coverage from national media, financial outlets, and higher education publications.

800 North King Street, Suite 304 3596, Wilmington, DE 19801, (877) 427-5123

800 N King Street, Ste. 304 3596
Wilmington, DE 19801
(877) 427-5123

Effective Date: June 24, 2025

GradBridge, Inc. (“GradBridge,” “we,” “our,” or “us”) values your trust and is
committed to protecting your privacy. This Privacy Policy explains how we collect,
use, share, and protect your information when you visit our website, use our
services, or are referred to us by a partner institution. It also explains your
choices regarding the collection and use of your data. Please see the
U.S. Consumer Privacy Notice</a >
for additional information on affiliate information sharing. This Privacy Policy
applies to all users of GradBridge's website and services, including referred
leads from third-party lenders, and any data collected through partner platforms.

Information we collect the following types of information:
1. Applicant and Co-Signer Personal Information:
  - Full name, address, phone number, email address
  - Government-issued identifiers or other identity, citizenship or
    residency verification information
  - Social Security Number (SSN) or other tax identification
  - Date of birth and demographic dataSchool
  - enrollment and graduation information
  - Financial information including income, bank account details, and
    credit profile
2. Application & Loan Information:
  - Information provided via applications for loan referrals or
    services
  - Credit scores, adverse action reasons, and loan decisions, when
    permitted by partners
3. Automatically Collected Information:
  - IP addresses, device data, browser type
  - Usage data and cookies
4. Information from Third Parties:
  - Information received from referral partners, credit bureaus, or
    other service providers
  - Information from publicly available information, including social
    media
We use your personal information to:
- Process and manage loan referral applications
- Conduct credit evaluations and underwriting using licensed and/or partner
  models
- Communicate with you regarding your application or account
- Fulfill legal and regulatory obligations, including investigating and
  protecting against fraudulent or illegal activities
- Improve our services and user experience
- Send you emails about relevant financial products and services
We may anonymize your personal information and use it for any purpose, such
as data trends and aggregated data analysis.
We may share your information as follows:
1. With Service Providers: We engage vendors and contractors to support our
  services, including data hosting, compliance support, analytics, and
  application processing. All vendors are contractually bound to use your
  personal information for the sole purpose of fulfilling the terms of our
  agreement, to comply with law, and maintain confidentiality and security
  of all shared information.
2. With Referral and Lending Partners: Application data and credit decisions
  may be shared with referral and lending partners for underwriting and
  performance review, depending on your referral source.
3. With Sponsor Banks: Necessary information is shared with our sponsor
  banks to comply with regulatory requirements and facilitate financial
  services.
4. For Legal and Regulatory Compliance: We may disclose your information to
  prevent fraud or comply with applicable laws, regulations, legal
  processes, or government requests.
5. In Corporate Transactions: Your information may be shared or transferred
  in connection with a business merger, acquisition, sale, financing, or
  similar corporate event.
6. With Schools: We may share Loan Application Information and related
  information with your school for the purposes of approving or otherwise
  processing a loan application and administering the loan account.
7. With Co-Signers: If two applicants apply for a loan together as student
  borrower and co-signer, each applicant will have access to the other's
  Loan Application Information.
8. If Required By Law to (i) respond to valid requests by public authorities
  including for national security or law enforcement, (ii) respond to any
  legal process served on GradBridge or applicable lenders, or (iii)
  protect the rights, property, or safety of GradBridge or any affiliated
  entities.

i. With Your Consent

Data Retention and Security:
We retain your information for as long as necessary to fulfill the purposes
for which it was collected, including to meet legal, regulatory, and
reporting obligations. We use appropriate administrative, technical, and
physical security measures—such as encryption, access controls, and secure
servers—to protect your data from unauthorized access or disclosure, but do
not guarantee or otherwise warrant that any security protections will
protect against any potential security vulnerabilities.
Your Privacy Choices:
- Access, update, or correct your personal information.
- Opt out of marketing communications, such as following the instructions
  in any commercial email to unsubscribe. Please note that we may continue
  to send non-commercial email communications in order to service your
  account.
- Request deletion of your personal data, subject to legal or regulatory
  retention requirements
- Withdraw consent where applicable
Use the 'Contact Us' information below to exercise your privacy choices.
Use of Cookies and Tracking Technologies:
We use cookies and similar tracking technologies to enhance your experience,
analyze site usage, and deliver relevant content. You can manage cookie
preferences through your browser settings.
Children's Privacy:
Our services are not directed to children under the age of 13, and we do not
knowingly collect personal information from children. If we become aware of
such data collection, we will delete it promptly.
Changes to This Privacy Policy:
We may update this Privacy Policy periodically to reflect changes in our
practices, technology, or legal requirements. Material changes will be
communicated to you as required by applicable law.
Contact Us:
If you have any questions about this Privacy Policy or wish to exercise your
rights, please contact us at:
GradBridge, Inc.
800 N King Street, Ste. 304 3596
Wilmington, DE 19801
Email:
Privacy@gradbridge.com</a >

Download PDF</a >

Last updated on: July 1, 2025

GradBridge Terms of Use
GradBridge, Inc. and its affiliates (collectively, “GradBridge,” “we,” “our,” or
“us”) provide access to and use of gradbridge.com, a website owned and operated by
GradBridge, as well as any and all other websites and subdomains owned or
controlled by GradBridge (the “Website”) together with the content, software,
online, and/or mobile services, products and functionality offered on or through
the Website (collectively, the “Service”). PLEASE READ THESE TERMS CAREFULLY. BY
REGISTERING, SIGNING INTO, ACCESSING, BROWSING, OR OTHERWISE USING THE SERVICE,
WHETHER AS A GUEST OR REGISTERED USER, OR OTHERWISE ACCEPTING THESE TERMS, YOU ARE
SIGNIFYING THAT YOU AGREE TO AND ACCEPT THEM, ALL GUIDELINES (AS DEFINED BELOW )
AND ANY AND ALL FUTURE MODIFICATIONS TO THESE TERMS, AS WELL AS TO THE COLLECTION
AND USE OF YOUR INFORMATION AS SET FORTH IN THE ONLINE CONSUMER INFORMATION
PRIVACY POLICY AND PRIVACY NOTICE</a >. IF YOU DO NOT AGREE TO OR ACCEPT THESE TERMS, YOU MAY NOT USE THE SERVICE.
ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE
“ARBITRATION PROVISION AND CLASS ACTION WAIVER” SECTION BELOW, AND UNLESS YOU
OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND
GRADBRIDGE OR OTHER PARTIES DESCRIBED HEREIN WILL BE RESOLVED BY BINDING,
INDIVIDUAL ARBITRATION AT THE ELECTION OF EITHER PARTY, AND YOU WAIVE YOUR RIGHT
TO A JURY TRIAL AND YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS OR TO
PARTICIPATE IN A CLASS, PRIVATE ATTORNEY GENERAL, REPRESENTATIVE, OR COLLECTIVE
ACTION IN COURT OR IN ARBITRATION. The Terms, any and all Guidelines (as defined
below), any and all amendments, and any and all additional written agreements
between you and GradBridge concerning the Service, form a binding legal contract
between you, an individual customer, member, visitor or user (“you”, “your” or
collectively with other users, “Users”) and GradBridge. These Terms are subject to
change at any time, without notice, as described below.

1. ELIGIBILITY; USE OF THE SERVICE
1.1 Eligibility. Access or use of the Service or creation of a User account by
anyone under the legal age of majority in the relevant jurisdiction in which such
User resides or on behalf of another person other than a User's child under the
age of eighteen (18) is strictly prohibited. However, a parent or legal guardian
may use the Service or establish a User account on behalf of his or her child
under the age of eighteen (18). If you are such a parent or guardian or if you are
establishing a User account or using the Service on behalf of a child under the
age of eighteen (18), you agree to assume full responsibility for all claims,
damages or indemnifications that we might properly assert against such child, if
not for his or her age. The Service is available only to individuals who are
permitted to use it under applicable local, state, national and international
laws, rules and regulations (“Laws”). The Service is not available to any Users
previously removed from the Service (or whose User accounts have been terminated)
by GradBridge. You represent and warrant that you possess the legal right and
ability to enter into these Terms and to use the Service in accordance with these
Terms.
1.2 License. Subject to the terms and conditions of these Terms, We grant you a
non-exclusive, limited, personal, non-transferable, freely revocable license to
use the Service in accordance with these Terms solely for your personal,
non-commercial use, and only as permitted by the features of the Service.
GradBridge reserves all rights not expressly granted herein in the Service.
GradBridge may terminate this license at any time for any reason or no reason.
1.3 Guidelines. When using the Service, you will be subject to any and all
additional operating rules, policies or guidelines applicable to specific services
and features that may be published by us from time to time, including, without
limitation, all information transfer protocols (“Guidelines”).
1.4 Use of the Service. You agree: (a) To use the Service only for purposes
expressly authorized by GradBridge and to follow the Guidelines. (b) To be solely
responsible for your actions and the contents of your transmissions through the
Service. In addition, you agree that, by your electronic transmission of
information via the Service, you are making any and all certifications required by
applicable Laws and that such electronic certifications have the same force and
effect as a manually signed certification. You agree that parties whom you
authorize to print applications, forms, or other documents have the right to print
“signature on file” on the hard copy of such materials on which such certification
is required. If required by a government agency, or at our request, you agree to
provide written certification in hard copy form. (c) To install any products
furnished by third-party providers or suppliers that are necessary to access the
Service. You acknowledge that the Service does not include equipment, software, or
communication line access. You will acquire and maintain all equipment, software,
and communication access necessary for you to use the Service. (d) To use a web
browser version that we support in conjunction with Service.
1.5 Privacy; User Data. The Service allows you to submit, store, and access
certain data and other information related to your account, applications, and/or
GradBridge products or services (collectively, “User Data”). Please see our
Privacy Notice and our Online Consumer Information Privacy Policy (collectively,
our “Privacy Policy”) to learn how we collect, use and disclose information we
collect from and about you. You understand that by accessing or using the Service
and/or submitting User Data through the Service, you consent to the collection,
use and disclosure of your User Data as set forth in our Privacy Policy.
1.6 Compliance with Laws. You represent and warrant that: (i) you have complied
and will continue to comply with all applicable Laws (including, without
limitation, any and all relevant data protection or privacy laws) in your use of
the Service, (ii) to the extent you share with us any personally identifiable
information of any third party for any purpose, you have the authority and written
consent from such third party to provide us with such information and allow us to
use such information for the purposes permitted in our Privacy Policy , and (iii)
all information you furnish in connection with your use of the Service is
accurate, complete and current.

2. USE RESTRICTIONS
You agree not to engage in any of the following prohibited activities: (a)
copying, modifying, distributing, or disclosing any part of the Service ,
including, without limitation, by any automated or non-automated “scraping”; (b)
renting, leasing, loaning, reselling, sublicensing, distributing or otherwise
transferring the Service (or any part of the Service) to any third party;
providing time sharing or similar services for any third party; or using the
Service (or any part of the Service) for any purpose other than your own internal
personal or business use; (c) using any automated system, including, without
limitation, “robots,” “spiders,” “offline readers,” etc., to access the Service in
a manner that sends more request messages to GradBridge servers than a human can
reasonably produce in the same period of time by using a conventional on-line web
browser or to monitor or copy the Service; (d) transmitting spam, chain letters,
or other unsolicited email; (e) attempting to interfere with, compromise the
system integrity or security or decipher any transmissions to or from the servers
running the Service; (f) taking any action that imposes, or may impose at our sole
discretion an unreasonable or disproportionately large load on our infrastructure;
(g) uploading invalid data, viruses, malware, worms, or other software agents
through the Service; (h) collecting or harvesting any personally identifiable
information, including, without limitation, account names, from the Service; (i)
using the Service for any commercial solicitation purposes; (j) impersonating
another person or entity or otherwise falsely stating or misrepresenting your
identity or affiliation with a person or entity, conducting fraud, hiding or
attempting to hide your identity; (k) interfering with the proper working of the
Service; (l) accessing any content on the Service through any technology or means
other than those provided or authorized by the Service; (m) disassembling,
decompiling or reverse engineering the Service (or any part of the Service),
except to the extent that such restriction is expressly prohibited by Law; (n)
removing, circumventing, disabling, damaging, bypassing or otherwise interfering
with the measures we may use to prevent or restrict access to the Service,
including, without limitation, features that prevent or restrict use or copying of
any content accessible through the Service or enforce limitations on use of the
Service, or the content therein; or (o) delete the copyright and other proprietary
rights notices on the Service.

3. USER MATERIALS
You may submit content, information, User Data or other materials (together with
all intellectual property rights in and to such materials, “User Materials”) to
the Service in order to communicate with us (or our third-party customer service
provider) or submit forms or applications through the Service, including, without
limitation, for the hosting, sharing and display of such User Materials and to
apply for or request products or services. When applying for or requesting a
product or service or otherwise submitting User Materials on or through the
Website, you agree to provide current, complete, and accurate information about
yourself and not to submit any User Materials that (i) may constitute or
contribute to a crime or tort, (ii) is illegal, fraudulent or deceptive content,
(iii) contain any information or content that you do not have a right to make
available under any law or under contractual or fiduciary relationships, or (iv)
is inaccurate, incomplete, not current or is otherwise designed to mislead,
defraud or deceive us or any third party. If any information you provide is
untrue, inaccurate, not current, or incomplete, GradBridge has the right to
terminate your application(s) for GradBridge products or services and/or to
decline to provide any future access to the Service. Use of the Service and the
submission of any User Materials completed by you or otherwise submitted through
the Service do not qualify you for or guarantee that you will receive any
requested GradBridge products or services. Your eligibility for GradBridge
products and services will be determined according to and consistent with the
terms, conditions, and other criteria applicable to the products and services in
question.

4. GRADBRIDGE MATERIALS; LINKS TO THIRD-PARTY SITES
4.1 GradBridge Materials. On the Service, you will find Content (as defined
below), functions, information, and tools, including some that are prepared,
provided, or maintained by third parties that are not the property of GradBridge
(collectively, “GradBridge Materials”). While we strive to keep the GradBridge
Materials current and accurate, we cannot guarantee, and therefore expressly do
not warrant, that the GradBridge Materials are current, accurate, or error-free,
or that your access will be uninterrupted or that material accessible from the
Service is free of viruses or other malicious code.
4.2 Links to Third-Party Sites. On the Service, you will find numerous links which
will transfer you to the websites of third parties that can provide you with
potentially relevant information and/or functionality (each, a “Third Party
Site”). GradBridge is not responsible for the content and performance of these
sites or for your transactions with them. GradBridge makes no warranties, either
express or implied, concerning the content of any Third Party Site, including the
accuracy, completeness, reliability, or suitability thereof for any particular
purpose. GradBridge does not warrant that any Third Party Site is free from any
claims of copyright, trademark, or other infringement. GradBridge does not warrant
that any Third Party Site is free from any viruses or other contamination. You
understand that Third Party Sites may have a privacy policy that is different from
that of GradBridge and that Third Party Sites may provide less security than this
Website. The choice to access a Third Party Site, or to purchase or otherwise use
any of the products or services advertised or provided on a Third Party Site is
yours, in your sole discretion. Furthermore, while GradBridge strives to keep
these links as current and accurate as possible, we cannot guarantee, and
therefore we expressly do not warrant, that they point to the intended third-party
website. Links to and from the Service do not constitute a GradBridge endorsement.

5. PROPRIETARY RIGHTS TO CONTENT
You acknowledge and agree that content, including, without limitation, text,
software, photographs, video, graphics, images, logos, button icons, editorial
content, notices, software (including, without limitation, HTML-based computer
programs), other material contained in sponsor advertisements, and other
information or materials presented to you through the Service (“Content”) is
protected by copyrights, trademarks, service marks, patents or other proprietary
rights and Laws. The Content belongs to GradBridge or to others as indicated. You
may use this Content as expressly authorized by GradBridge or the Service, and you
may not copy, reproduce, distribute, display, download, license, modify, adapt,
edit, publish, perform, repost, reuse, sell, supplement, transmit, create
derivative works or otherwise use the Content for public or commercial purposes
without our express authorization. Use of the Content other than as expressly
permitted by these Terms is strictly prohibited. You may choose to or we may
invite you to submit comments or ideas about GradBridge or the Service, including,
without limitation, about how to improve the Service or our products (“Feedback”).
By submitting any Feedback, you agree that we are free to use the Feedback without
any additional compensation to you, and/or to disclose the Feedback on a
non-confidential basis or otherwise to anyone. You further acknowledge that, by
acceptance of your submission, GradBridge does not waive any rights to use similar
or related ideas previously known to GradBridge, or developed by its employees or
contractors, or obtained from sources other than you.

6. CONFIDENTIALITY; YOUR SECURITY OBLIGATIONS
You will maintain confidentiality concerning any confidential or proprietary
information which you access through the Service and you will protect such
information from unauthorized access, use or disclosure. You acknowledge and agree
that the Service is, and shall at all times remain, the sole and exclusive
property of GradBridge and/or its licensors, and that GradBridge and/or its
licensors is the sole and exclusive owner(s) of all rights to the Service,
including, without limitation, any and all copyrights and all related renewals and
extensions. You agree that the Service is proprietary and confidential and that
you will not authorize or permit its contents to be disclosed or in any manner
communicated or used by any third party or to be duplicated or reproduced without
our prior written approval. You will restrict unauthorized users from gaining
access to the Service. If you are not a registered user, you may receive a user
name and password upon completing the registration process. You are responsible
for maintaining the confidentiality of your passwords and for any and all
activities that occur under your passwords or User accounts. You agree to
immediately notify GradBridge of any unauthorized use of your User account or any
other breach of security known to you. You will take feasible steps to prevent
transmission over the Service of any virus or other software routine designed or
likely to permit unauthorized access to the Service or to disable, erase or
otherwise harm any software, hardware or data accessible over the Service. The
confidentiality obligations of this Section will survive the termination of your
use of the Service. You agree to be solely responsible for your actions and the
contents of your transmission through the Service. You agree to use any data
encryption tool that is built into the Service or another data encryption tool
that is mutually agreed upon by you and GradBridge.

7. SECURITY
We have implemented commercially reasonable technical and organizational measures
designed to secure your personally identifiable information from accidental loss
and from unauthorized access, use, alteration or disclosure. However, you
acknowledge and agree that despite our reasonable security measures, we cannot
guarantee that electronic communications over the Internet will be 100% secure and
that unauthorized third parties will never be able to defeat those measures or use
your personally identifiable information for improper purposes. You acknowledge
that you are under no obligation to use the Service, and that you provide any
personal or sensitive information in order to use the Service at your own risk.

8. MODIFICATIONS TO SERVICE; TERMINATION OR SUSPENSION OF YOUR USER
ACCOUNT</strong >
GradBridge, in its sole discretion, reserves the right to modify or
discontinue, suspend temporarily or permanently stop providing, the Service or
features of the Service, to you or to Users generally, or create usage limits for
the Service, for any reason or no reason, with or without notice to you.
GradBridge may terminate your User account or permanently or temporarily terminate
or suspend your access to the Service, without notice and liability to you or any
third party for any reason, including, without limitation, if in our sole
determination you violate any provision of these Terms, or for no reason. Any
suspected fraudulent, abusive, or illegal activity that may be grounds for
termination or suspension of your use of the Service may be referred to
appropriate law enforcement authorities. These remedies are in addition to any
other remedies we may have at law, in equity or under this agreement. Upon
termination for any reason or no reason, you continue to be bound by these Terms.

9. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY AGREE THAT USE OF THE SERVICE AND ANY MATERIALS OR INFORMATION
PROVIDED BY US OR MADE AVAILABLE TO YOU THROUGH THE SERVICE, INCLUDING, WITHOUT
LIMITATION, GRADBRIDGE MATERIALS, IS AT YOUR SOLE RISK. THE SERVICE AND GRADBRIDGE
MATERIALS, INCLUDING, BUT NOT LIMITED TO ANY THIRD-PARTY-PROVIDED INFORMATION,
SOFTWARE OR SERVICES MADE AVAILABLE THROUGH THE SERVICE ARE PROVIDED ON AN “AS
IS,” “WHERE IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY
APPLICABLE LAW, GRADBRIDGE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER
EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. GRADBRIDGE
MAKES NO WARRANTY THAT THE SERVICE OR GRADBRIDGE MATERIALS WILL MEET YOUR
REQUIREMENTS, OR THAT THE SERVICE OR GRADBRIDGE MATERIALS WILL BE UNINTERRUPTED,
TIMELY, AVAILABLE AT A PARTICULAR TIME OR LOCATION, SECURE, OR ERROR FREE; NOR
DOES GRADBRIDGE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE
USE OF THE SERVICE OR GRADBRIDGE MATERIALS OR AS TO THE TIMELINESS, ACCURACY OR
RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE, INCLUDING, WITHOUT
LIMITATION, ANY GRADBRIDGE MATERIALS, OR THAT DEFECTS OR ERRORS IN THE SOFTWARE
USED IN THE SERVICE, SERVICE OR GRADBRIDGE MATERIALS WILL BE CORRECTED, OR THAT
THE SERVICE WILL MEET YOUR REQUIREMENTS. GRADBRIDGE EXPRESSLY DISCLAIMS ANY
WARRANTY THAT THE SERVICE (OR ANY INFORMATION OR SOFTWARE CONTAINED THEREIN) IS
FREE OF VIRUSES, WORMS, TROJAN HORSES, HARMFUL COMPONENTS, OR OTHER CODE THAT
MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. ANY CONTENT DOWNLOADED OR
OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK
AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR
MOBILE DEVICE OR LOSS OF DATA OR CONTENT THAT RESULTS FROM SUCH DOWNLOAD OR YOUR
USE OF THE SERVICE. GRADBRIDGE MAKES NO WARRANTY REGARDING ANY SERVICES OBTAINED
THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE.
GRADBRIDGE DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY
PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR
ANY HYPERLINKED WEBSITE OR SERVICE, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY
MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR
SERVICES. GRADBRIDGE DOES NOT WARRANT OR GUARANTEE THAT YOU WILL RECEIVE ANY
PRODUCTS OR SERVICES, INCLUDING, WITHOUT LIMITATION, ANY FINANCIAL AID,
SCHOLARSHIP, LOAN, OR OTHER CREDIT OR BANKING PRODUCT THROUGH THE SERVICE, OR ANY
SPECIFIC MONETARY AMOUNTS, AND GRADBRIDGE SHALL NOT BE LIABLE TO YOU OR ANY THIRD
PARTY FOR ANY LACK OF SUCCESS OF ANY APPLICATION BY YOU FOR ANY FINANCIAL AID,
SCHOLARSHIP, LOAN, OR OTHER CREDIT OR BANKING PRODUCT. GRADBRIDGE EXPRESSLY
DISCLAIMS LIABILITY OR RESPONSIBILITY FOR THE SUCCESS OF ANY APPLICATION BY YOU
FOR FINANCIAL AID, SCHOLARSHIPS, LOAN, OR OTHER CREDIT OR BANKING PRODUCT.
NOTWITHSTANDING THE FOREGOING, SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF
CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

10. INDEMNIFICATION
You will indemnify, hold harmless and reimburse GradBridge and its agents,
licensors, suppliers, contractors and third-party providers, and their respective
employees, members, officers and directors, from and against any and all claims,
damages, obligations, losses, liabilities, settlements, costs or debt, and
expenses (including, without limitation, court costs and reasonable attorneys'
fees) (“Losses”) caused by or arising from: (i) your or your agents' use of and
access to the Service (by your or any other person or entity accessing the Service
using your user name and password), and any data or content, including, without
limitation, any User Materials, transmitted or received by you; (ii) any and all
actual or alleged injury to any person (including death) or property to the extent
caused in whole or in part by your negligence; (iii) your violation of any term of
these Terms, including, without limitation, your breach of any of the
representations and warranties above; (iv) your violation of any third-party
right, including, without limitation, any right of privacy, right of publicity or
intellectual property rights; (v) your violation of any applicable Law; (vi) any
claims or damages that arise as a result of any of your User Materials; or (vii)
any other party's access and use of the Service with your unique username,
password or other appropriate security code; (vi) the negligence or willful
misconduct of you or your agents.

11. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN ADDITION TO THE DISCLAIMERS
OF WARRANTY AND OTHER DISCLAIMERS IN THESE TERMS, IN NO EVENT SHALL GRADBRIDGE BE
LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL,
EXEMPLARY OR ACTUAL DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF
PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATING
TO THE SERVICE OR GRADBRIDGE MATERIALS, OR THAT RESULT FROM THE USE OF, OR
INABILITY TO USE, THE SERVICE OR GRADBRIDGE MATERIALS. UNDER NO CIRCUMSTANCES WILL
GRADBRIDGE BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING,
TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR
THE INFORMATION CONTAINED THEREIN. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE
LAW, GRADBRIDGE ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (A) ERRORS,
MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF
ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICE; (C)
ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL
PERSONALLY IDENTIFIABLE INFORMATION STORED THEREIN; (D) ANY INTERRUPTION OR
CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (E) ANY BUGS, VIRUSES, TROJAN
HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD
PARTY; OR (F) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE
INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR
OTHERWISE MADE AVAILABLE THROUGH THE SERVICE. THIS LIMITATION OF LIABILITY SECTION
APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE,
STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF GRADBRIDGE HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO
THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
NOTWITHSTANDING THE FOREGOING, SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR
EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE
ABOVE LIMITATIONS MAY NOT APPLY TO YOU. FURTHER, NOTHING IN THESE TERMS IS
INTENDED TO LIMIT OR DISCLAIM GRADBRIDGE'S OBLIGATIONS UNDER THE
GRAMM-LEACH-BLILEY ACT (“GLBA”) AND TO THE EXTENT ANY PROVISION OF THESE TERMS ARE
FOUND TO BE PROHIBITED BY, INVALID OR UNENFORCEABLE UNDER THE GLBA, THAT PROVISION
WILL BE ENFORCED TO THE MAXIMUM EXTENT PERMISSIBLE AND THE OTHER PROVISIONS OF
THESE TERMS WILL REMAIN IN FORCE. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO
BE INVALID OR UNENFORCEABLE FOR ANY REASON, UNLESS OTHERWISE PROHIBITED BY
APPLICABLE LAW, THE MAXIMUM COLLECTIVE LIABILITY OF GRADBRIDGE, IF ANY, FOR LOSSES
OR DAMAGES SHALL NOT EXCEED $500. IN NO EVENT SHALL GRADBRIDGE BE LIABLE TO YOU
FOR ANY LOSSES OR DAMAGES GREATER THAN THE AMOUNT REFERRED TO ABOVE.

12. TERMINATION
You agree that GradBridge may terminate your password(s), account(s) or use of the
Service at GradBridge's discretion for any reason.

13. NOTICE
All notices to a party shall be in writing and shall be made either via email or
conventional mail. In addition, GradBridge may post notices or links to notices
through the Service to inform you of changes to the Terms, the Service, or other
matters of importance.

14. MOBILE ALERTS TERMS AND CONDITIONS
You can receive alerts about the status of your loan or account from GradBridge
through your mobile device. Join by providing your mobile phone number during the
application process or by updating your mobile phone number on your account.
Message and data rates may apply. Number of messages will vary depending on usage.
If you provide a cell phone number or a number that is later converted to a cell
phone number, you expressly consent to us (or a third party loan servicer or debt
collector acting on our behalf) using prerecorded or artificial voice messages,
calls, messages from automated dialing systems, and text messages to contact you
regarding the status of your application or loan. Normal usage and text message
charges may apply to the extent permitted by applicable law.

15. ARBITRATION AND CLASS ACTION WAIVER
This Arbitration Provision and Class Action Waiver (“the Arbitration Provision”)
does not apply to any product that constitutes “consumer credit” under the
Military Lending Act (or its implementing regulations) that you may obtain from or
through us if you are a covered borrower under the Military Lending Act at the
time you obtain such product.
15.1. Agreement to Arbitrate. Except as otherwise explicitly provided in this
Arbitration Provision, GradBridge, and any bank or financial institution with
which GradBridge partners, together with their parent companies, wholly or
majority-owned subsidiaries, affiliates, commonly-owned companies, successors,
assigns, and any of these entities' employees, officers, directors, and agents and
their successors, assigns, affiliates, and service providers (collectively, the
“Transaction Parties”) and you may each elect to resolve any past, present, or
future dispute or claim (“Dispute”) arising from or relating in any way to (i) the
use of the Website, (ii) these Terms, (iii) any loan application or any loan,
refinancing, or other agreement relating to or made or obtained through the use of
the Website, or (iv) the relationship between you and any Transaction Party in
connection with any of the foregoing that cannot be resolved directly between you
and a Transaction Party, by binding arbitration under the Consumer Arbitration
Rules (“the Consumer Rules”) of the American Arbitration Association (“AAA”),
rather than in court. (Solely for purposes of this Arbitration Provision, the term
Transaction Parties also includes any third party providing any goods and/or
services in connection with the use of the Website or any of the foregoing on
behalf of a Transaction Party, if that third party is named as a defendant along
with a Transaction Party in the same proceeding or a related proceeding.)
15.2. Exceptions to “Dispute”. Notwithstanding any of the foregoing: (i) disputes
or controversies about the validity, enforceability, coverage, or scope of this
Arbitration Provision or any part thereof are for a court and not an arbitrator to
decide; however, disputes or controversies about these Terms or your agreements
governing the use of the Website or with Transaction Parties as a whole are for an
arbitrator and not a court to decide; (ii) any Disputes seeking to enforce or
protect, or concerning the validity of intellectual property rights, will not be
subject to binding arbitration under this Arbitration Provision; and (iii) any
party may proceed with their individual claims in small claims court (or an
equivalent court) if that option is available in the applicable jurisdiction and
the amount in controversy falls within the small claims court's (or the equivalent
court's) jurisdictional limits; but if that action is transferred, removed, or
appealed to a different court, arbitration can be elected. Moreover, this
Arbitration Provision will not apply to any Dispute that was already pending in
court before this Arbitration Provision took effect.
15.3. Governing Law. The Federal Arbitration Act (“FAA”), 9 U.S.C. 1 et seq., and
federal arbitration law apply to this Arbitration Provision. Any judgment on the
award rendered by the arbitrator will be final, subject to any appeal rights under
the FAA, and may be entered in any court of competent jurisdiction. No arbitration
award involving the parties will have any preclusive effect as to issues or claims
in any dispute involving anyone who is not a party to the arbitration, nor will an
arbitration award in prior disputes involving other parties have preclusive effect
in an arbitration between the parties to this Arbitration Provision. JURY TRIAL
WAIVER. YOU UNDERSTAND THAT ABSENT YOUR CONSENT TO ARBITRATION, YOU WOULD HAVE THE
RIGHT TO SUE IN COURT AND HAVE A TRIAL BY JURY.
15.4. Arbitration Procedures. Either you or a Transaction Party can initiate
arbitration through the American Arbitration Association (“AAA”) or by filing a
motion to compel arbitration of claims filed in court. Regardless of who elected
arbitration or how arbitration was elected, the party asserting the claim (i.e.,
the party seeking money damages or other relief from a court or an arbitrator) is
responsible for starting the arbitration proceeding. If the AAA cannot serve and
we cannot agree on a substitute, a court with jurisdiction shall select the
arbitrator, who will apply the AAA rules and the procedures specified in this
Arbitration Provision. Any arbitrator must be a practicing attorney with ten or
more years of experience practicing law or a retired judge. Any arbitration will
be governed by the then-current Consumer Rules, and its Procedures for the
Resolution of Disputes through Document Submission (“Document Submission
Procedures”). For more information about the AAA and its rules, you may contact
the AAA at 120 Broadway, Floor 21, New York, N.Y. 10271, 1-800-778-7879,
www.adr.org. Each party will bear the expense of its own attorneys, experts and
witnesses, regardless of which party prevails, unless applicable law, these Terms
or an applicable agreement gives a party the right to recover such expenses from
the other party. The arbitration will be conducted by a single arbitrator solely
based on written submissions and will not require any personal appearance by the
parties or witnesses unless the arbitrator determines that a telephonic or
in-person conference or hearing is necessary based on the request of one or more
of the parties. If an in-person hearing is necessary, it will be held in the
federal judicial district in which you reside or at another location that is
reasonably convenient to all parties.
15.5. CLASS ACTION WAIVER. You and the Transaction Parties each agree that if
arbitration of a Dispute is elected, the Dispute will be resolved in arbitration
(not in court) only on an individual basis and not as a class, collective or other
representative action. To the fullest extent permitted under the FAA: (a) no
arbitration will be joined or consolidated with any other unless all parties
otherwise agree in writing; (b) there is no right or authority for any Dispute to
be arbitrated on a class-action, collective action or private attorney general
basis or to utilize class action procedures; and (c) there is no right or
authority for any Dispute to be brought in a purported representative capacity on
behalf of the general public or any other persons. No arbitrator shall have the
authority to issue any relief that applies to any person or entity other than
Transaction Parties and/or you individually.
15.6. Conflicts. If any portion of this Arbitration Provision is inconsistent with
the Consumer Rules, with these Terms, or your agreements governing the use of this
Website, or with an arbitration provision in any agreement with a Transaction
Party (including, without limitation, any loan agreement), this Arbitration
Provision shall govern.
15.7. Survival; Severance. This Arbitration Provision shall survive termination of
the Website or these Terms or of any agreement into which you enter with a
Transaction Party; and, further, you understand and agree that this Arbitration
Provision applies not only to these Terms but also to any subsequent agreement
(including without limitation any agreement governing the use of the Website or
any loan agreement) into which you enter with a Transaction Party. This
Arbitration Provision stays in force even if you withdraw your loan application or
your application is denied, if any loan obtained by you is repaid in full, if any
loan agreement or account is terminated or expires, or in the event of any
bankruptcy (if permitted by bankruptcy law). If any portion of this Arbitration
Provision is deemed invalid or unenforceable, it shall not invalidate the
remaining portions of this Arbitration Provision, except that: (a) if the Class
Action Waiver is limited, voided or found unenforceable with respect to a Dispute
and that determination becomes final after all appeals have been exhausted, then
this Arbitration Provision (except for this sentence) shall be null and void with
respect to such proceeding. The parties acknowledge and agree that under no
circumstances will a class action be arbitrated; and (b) if a claim is brought
seeking public injunctive relief and a court determines that the restrictions in
the Class Action Waiver or elsewhere in this Arbitration Provision prohibiting the
arbitrator from awarding relief on behalf of third parties are unenforceable with
respect to such claim and that determination becomes final after all appeals have
been exhausted, the claim for public injunctive relief will be determined in court
and any individual claims seeking monetary relief will be arbitrated. In such a
case the parties will request that the court stay the claim for public injunctive
relief until the arbitration award pertaining to individual relief has been
entered in court. In no event will a claim for public injunctive relief be
arbitrated.
15.8. RIGHT TO OPT OUT: If you do not want this Arbitration Provision to apply,
you must send us a signed notice within 30 calendar days of the date on which you
electronically submit an application for a product or service offered by a
Transaction Party through this site. You must send the notice in writing (and not
electronically) to GradBridge, 800 North King Street, Suite 304 #3596, Wilmington,
Delaware 19801, Attn: Arbitration Opt Out Notice. You must provide your name,
address, telephone number, loan or account number, if applicable, and state that
you “opt out” of the Arbitration Provision. Opting out will not affect the other
provisions of these Terms or any other agreement governing the Website or with a
Transaction Party. If you do not opt out, you will be bound by this Arbitration
Provision in these Terms and any other agreement governing a Service or with a
Transaction Party. Please note that if you enter an agreement with a Transaction
Party that contains a different arbitration provision with a right to opt out,
opting out of this Arbitration Provision is not a rejection of the arbitration
provision in the other agreement. You will need to separately opt out of the
arbitration provision in the other agreement if you do not want it to apply.

15.9. Governing Law and Jurisdiction You agree that your use of the Website and
these Terms (excluding the Arbitration Provision) shall be governed by all
applicable Federal laws and the laws of the State of Delaware, without giving
effect to any principles of conflict of law. If for any reason a Dispute proceeds
in court rather than in arbitration, you agree to submit to the sole and exclusive
jurisdiction of the state and federal courts sitting in the State of Delaware. If
for any reason a Dispute proceeds in court rather than in arbitration, you and the
Transaction Parties each waive any right to a jury trial.

16. GENERAL
16.1. Changes to These Terms. GradBridge may, in its sole discretion, modify or
update these Terms from time to time, and so you should review this page
periodically. When we change these Terms in a material manner, we will update the
'last modified' date at the top of this page. Your continued use of the Service
after any such change constitutes your acceptance of the new Terms. If you do not
agree to any of these terms or any future Terms, do not use or access (or continue
to access) the Service.
16.2. Limitations on Claims and Actions. You agree that regardless of any statute
or law to the contrary, any claim or cause of action arising out of or related to
use of the Service or the Terms must be filed by you within one (1) year after
such claim or cause of action arose or be forever barred.
16.3. Force Majeure. In no event shall we be liable for damages caused by third
parties not under our control or by other causes beyond our reasonable control,
including, without limitation, damages caused by third party telecommunications
service providers.
16.4. Construction; Interpretation. The section titles in these Terms are for
convenience only and have no legal effect.
16.5. No Third-Party Beneficiaries. Except for the indemnified parties set forth
in Section 10 above, the provisions of these Terms apply for the benefit of
GradBridge only. GradBridge has the right to assert and enforce those provisions
directly against you on its own behalf.
16.6. International Visitors. The Service is controlled and operated from our
facilities in the United States. GradBridge makes no representations that the
Service is appropriate or available for use in other locations. You may not use
the Service if you are a resident of a country embargoed by the United States, or
are a foreign person or entity blocked or denied by the United States government.
Unless otherwise explicitly stated, all materials found on the Service are solely
directed to individuals, companies, or other entities located in the U.S. By using
the Service, you are consenting to have your personal data transferred to and
processed in the United States. 16.7. Miscellaneous. The failure of GradBridge to
exercise or enforce any right or provision of the Terms shall not constitute a
waiver of such right or provision. If any provision of the Terms is found by a
court of competent jurisdiction to be invalid, the parties nevertheless agree that
the court should endeavor to give effect to the parties' intentions as reflected
in the provision, and the other provisions of the Terms remain in full force and
effect. GradBridge expressly reserves the right to assign and transfer these
Terms, and its rights and obligations under these Terms, in part or as a whole,
without restriction, including, without limitation, to another legal entity as
part of any sale or merger of all or part of the GradBridge or its affiliates with
a separate legal entity. You may not transfer these Terms, or your rights or
obligations under these Terms, to any person or entity without our prior written
approval. These Terms, together with all agreements incorporated by reference, any
and all amendments and any and all additional written agreements you may enter
into with GradBridge in connection with the Service, shall constitute the entire
agreement between you and GradBridge concerning the Service and supersedes all
prior agreements between the parties regarding the subject matter contained
herein.

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